Field Owners' Liability Insurance

Field Owners' Public Liability Insurance

Owning or managing fields comes with important responsibilities and potential risks, even if the land is vacant, left for conservation, or only occasionally used. Field owners' public liability insurance protects you from financial loss if a member of the public is injured or their property is damaged while on your land.

Whether your fields are used for grazing, hay production, seasonal activities, or simply left open as countryside, you could be held liable for accidents or damage, even if visitors are there without permission. This insurance provides essential financial protection, covering legal expenses, medical costs, and compensation claims.

Field Liability Insurance — Possible example claims include:

A walker trips on uneven ground or a concealed hole in a field and suffers a broken ankle, leading to claims for medical costs and lost income.
An animal escapes from a grazing field and causes a traffic accident, resulting in claims for vehicle damage and driver injuries.
A tree branch falls from a field boundary onto a neighbouring property, causing roof or vehicle damage and leading to repair claims.
A cyclist falls after hitting a hidden rut or pothole on a permitted access track through the field and claims damages for injuries.
A contractor slips on muddy ground while working in the field and files a claim for injury compensation.

Key benefits of Field Liability Insurance:

Protection against costly compensation claims
Covers legal defence costs and settlement payouts
Peace of mind for field owners and rural land managers
Flexible limits of indemnity to match your field's size and risk profile
Protection whether your land is actively used, partially used, or left fallow

Having robust liability cover helps you handle unexpected incidents confidently and ensures you meet any legal or contractual obligations, especially if you allow public access, host activities, or lease your fields for grazing or other uses.

At Quote Monkey, we specialise in flexible liability insurance designed for field owners across the UK. Our policies are competitively priced, easy to arrange, and allow you to focus on managing your fields without worry.

Employers’ Liability Insurance for Field Owners

If you employ anyone to help manage or maintain your fields — whether seasonal workers, contractors, or volunteers — you’re legally required to have employers’ liability insurance. This cover protects you financially if an employee, helper, or volunteer is injured or becomes ill while working on your land.

Field Owners' Employers' Liability Insurance — Possible example claims include:

A worker slips on wet ground while clearing fencing and breaks a wrist, resulting in medical and compensation claims.
A groundskeeper injures their back while lifting heavy tools, leading to claims for treatment and loss of income.
A seasonal worker is injured while using machinery and files a serious injury claim.
A volunteer helping with maintenance trips on equipment left in the field and requires surgery, leading to a claim for damages.

Key benefits of Field Owners Employers' Liability Insurance:

Meets your legal obligations under UK law if you employ staff or use volunteers
Protects you from costly compensation claims
Covers legal defence costs, medical expenses, and settlement payouts
Peace of mind to focus on field operations confidently
Flexible cover limits to suit your field activities and workforce

Employers’ liability insurance is essential for field owners who rely on support to maintain and manage their land. Without it, a single incident could result in serious financial loss and legal penalties.

At Quote Monkey, we offer specialist employers’ liability insurance designed for field owners. Our policies are flexible, fairly priced, and easy to set up online so you can stay compliant and focus on running your land safely.

Liability Cover For Field Owners With Lakes, Tracks & Public Access

Many field owners open parts of their land for activities such as coarse fishing, walking, or occasional riding. While these uses generate extra income or community engagement, they also create additional liability exposure.

At Quote Monkey, we provide tailored liability insurance to cover fields that include fishing lakes, private tracks, and areas with public or permissive access. This ensures you are financially protected if someone is injured or their property is damaged while using your land.

Field Owners Liability Insurance — Possible example claims include:

A fisherman slips on a muddy lakeside area and breaks an ankle, resulting in claims for medical expenses and lost income.
A walker trips on uneven ground while accessing a field footpath and files an injury claim.
A cyclist falls after hitting a hidden rut on a farm track through your field and claims for injury and bike repairs.

Key benefits of Field Liability Insurance for public access:

Protects you from claims by anglers, walkers, and cyclists
Covers legal defence costs and settlement payouts
Peace of mind when offering public or recreational access
Helps meet local council or association insurance requirements
Flexible indemnity limits to suit your level of visitor activity

Whether you have a small fishing pond, permissive walking paths, or field tracks, our tailored insurance helps you welcome visitors confidently and safely.

At Quote Monkey, we understand the practicalities of sharing fields with the public. Our policies are affordable, flexible, and easy to arrange online, so you can focus on your land while keeping visitors safe.

Liability Cover for Unoccupied Field Owners with Unoccupied Buildings

Many field owners have unoccupied buildings such as barns, sheds, or storage units. Even if unused, these can pose hazards to visitors, trespassers, or contractors.

At Quote Monkey, we can include liability cover for unoccupied field buildings as part of your insurance. This protects you if someone is injured or their property is damaged due to hazards associated with these structures.

Field Owners Unoccupied Buildings Liability Insurance — Possible example claims include:

A contractor trips over loose flooring in a disused barn, suffering a serious injury and making a claim for costs and damages.
A child trespassing on your field climbs onto a shed roof, falls through, and claims damages for injuries.
A delivery driver is injured by a falling door on an empty storage building and files a claim for damages.

Key benefits of Field Owners' Liability Insurance for unoccupied buildings:

Protection from unexpected compensation claims related to unused structures
Covers legal fees, medical expenses, and settlement payouts
Peace of mind, even if buildings are not maintained or regularly used
Helps you meet legal or contractual obligations if your land is accessible to others
Flexible cover options for different building types and conditions

Even if your barns or sheds are empty, they remain your responsibility. Without proper liability insurance, a single accident could cause significant financial loss and legal complications.

At Quote Monkey, we specialise in protecting field owners and understand the risks that come with unused structures. Our policies are flexible, affordable, and easy to arrange online, so you can protect your land confidently.

Frequently Asked Questions – Rural Landowners Insurance